Effective Date: 11 November 2024

Introduction

Useful Friend Pty Ltd (“we,” “us,” or “our”) is committed to protecting the privacy of our users (“you” or “your”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website usefulmoneystuff.com (the “Website”), use our services or products, register for our programs, or interact with us in any other way.

1. Information We Collect

We collect information from you in various ways when you use our Website and services. This includes:

1.1 Personal Information

Information you provide directly: This may include your name, email address, phone number, billing address, payment information, and any other information you provide when registering for an account, purchasing services or products, enrolling in programs, contacting us, or otherwise interacting with the Website.

Information from third-party services: If you choose to register or log in using a third-party account (e.g., Google, Facebook), we may collect information from that service with your consent.

1.2 Non-Personal Information

Automatic Information: We automatically collect certain information about your device and how you use the Website. This may include your IP address, browser type, operating system, device identifiers, referring URLs, access times, pages viewed, and other similar information. We may use cookies and other tracking technologies (see Section 6) to collect this information.  

Aggregated and De-identified Data: We may aggregate and de-identify information collected from you so that it no longer identifies you individually. This information may be used for any purpose.

2. How We Use Your Information

We use the information we collect for various purposes, including:

Providing and Improving Services: To operate and maintain the Website and our services, to personalize your experience, to respond to your inquiries and requests, and to improve and develop our offerings.  

Communication: To communicate with you about your account, orders, services, and programs, to send you newsletters, marketing materials, and other information you have chosen to receive. You can opt-out of marketing
communications at any time (see Section 9).

Legal Compliance: To comply with applicable laws, regulations, legal processes, and enforceable governmental requests.

Security and Fraud Prevention: To protect the Website and our services, to detect and prevent fraud, and to maintain a safe and secure environment.

Analytics and Research: To analyze how users interact with the Website and our services, to conduct research, and to improve our offerings.

3. Lawful Basis for Processing

Our lawful basis for collecting and using your personal information will depend on the specific information concerned and the context in which we collect it. However, we will normally collect personal information from you only where:

We have your consent to do so;  

Where we need the personal information to perform a contract with you (e.g., to provide services or process payments); or 

Where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms (e.g., to improve our services, for security purposes, or for direct marketing).  

4. How We Share Your Information

We may share your information with the following categories of recipients:

Service Providers: We may share your information with third-party service providers who assist us in providing and improving our services (e.g., payment processors, hosting providers, email marketing platforms, analytics providers). We have contracts with our service providers that require them to protect your information.  

Business Transfers: We may share or transfer your information in connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy.

Legal Authorities: We may disclose your information to legal authorities if required to do so by law or in the good faith belief that such action is necessary to comply with legal obligations, protect and defend our rights or property, or protect the safety of our users or the public.  

5. International Data Transfers

If we transfer your personal information outside of your jurisdiction, we will take steps to ensure that your information is protected with appropriate safeguards, such as Standard Contractual Clauses or other mechanisms approved by relevant data protection authorities.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Website and hold certain information. Cookies are files with small amounts of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.  

7. Data Security

We employ appropriate technical and organizational security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:  

Encryption: We use encryption to protect sensitive information transmitted online.  

Access Controls: We restrict access to your personal information to authorized personnel only.

Data Retention: We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by law.  

8. Your Data Protection Rights

You may have the following data protection rights:

Access: You have the right to access your personal information.

Rectification: You have the right to have your personal information corrected if it is inaccurate or incomplete.

Erasure: You have the right to request the deletion of your personal information, under certain conditions.

Restriction of Processing: You have the right to restrict the processing of your personal information, under certain conditions.

Objection to Processing: You have the right to object to the processing of your personal information, under certain conditions.

Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format and to have it transferred to another controller, under certain conditions.  

To exercise any of these rights, please contact us using the contact details provided in Section 10.

9. Marketing Communications

You can opt-out of receiving marketing emails from us at any time by clicking the “unsubscribe” link in the email or by contacting us using the contact details provided in Section 10.  

10. Contact Us

If you have any questions about this Privacy Policy, please contact us:

By email: support@usefulmoneystuff.com

By mail: SE 812, 585 Little Collins St, Melbourne VIC 3000, AUSTRALIA

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post any changes on the Website and, if the changes are significant, we may also notify you by email or other means.

Please review this Privacy Policy periodically for any updates.

12. Children’s Privacy

Our Website, services, products and programs are not intended for children under the age of 18. We do not knowingly collect personal information from children under this age. If you become aware that a child has provided us with personal information, please contact us immediately.  

13. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect about you, the right to request deletion of your personal information, and the right to opt-out of the sale of your personal information. To exercise your CCPA rights, please contact us using the contact details provided in Section 10.  

14. Do Not Track

We do not currently respond to “Do Not Track” signals.